The Indian financial system consists of organized and unorganized sectors. The organized sector includes financial institutions, financial markets, and financial instruments that are regulated. It involves banks, capital markets, insurance companies, non-banking financial corporations, and cooperative banks. The unorganized sector consists of indigenous bankers, money lenders, pawn brokers, and chit funds that operate locally and informally. The financial system channels funds from savers to borrowers and allows for maturity transformation through various financial assets and intermediaries.
Indian Banking Industry
Banking & Bank
History of Banking
Revolution of Banking
Types of Banks
Top player in Bank
Role of banking sector
Indian banking sector at a glance
Growth of banking sector in India
Employment Opportunities
State Bank of India
Mission & Values
Business Segments
SBI Growth
Financial Performance
An investment banking is a financial institution that assists individuals, corporations and governments in raising financial capital by underwriting or acting as the client’s agent in the issuance of securities or both
Indian Banking Industry
Banking & Bank
History of Banking
Revolution of Banking
Types of Banks
Top player in Bank
Role of banking sector
Indian banking sector at a glance
Growth of banking sector in India
Employment Opportunities
State Bank of India
Mission & Values
Business Segments
SBI Growth
Financial Performance
An investment banking is a financial institution that assists individuals, corporations and governments in raising financial capital by underwriting or acting as the client’s agent in the issuance of securities or both
The Financial services sector in India is blooming and has become one of the lucrative areas to professionalism. The sector has undergone metamorphosis since 1990. Indian economy got liberalized during 1991 and the financial sector was kept open for private and foreign players. During the late eighties, the financial services industry in India was dominated by commercial banks and other financial institutions governed by the Central Government. The economic liberalization has brought in a complete transformation in the Indian financial services industry. Prior to the economic liberalization, the Indian financial service sector was characterized by various other factors, which was related to the growth of this sectorThe term Financial services in its broader sense refers to ― mobilizing and allocation of savings‘‘. It is identified as all those activities involved in the process of converting savings into investment. Financial services also include FINANCIAL INTERMEDIARIES such as Merchant Bankers, Venture capitalists, Commercial banks, Insurance Companies etc.
Derivatives are the financial instruments whosevalue is derived from the underlying assets.
•
It is called derivatives as its value is derived fromother assets called underlying asset.
•
It is a contract that derives its value from changes inthe price of the underlying asset.
Example1:
The value of a gold futures contract is derived fromthe value of the underlying asset i.e. Gold.
Introduction to Banking, Evolution of Banking, History of Banking system, Route map from traditional banking to Modern banking, Modern Banking system and its evolution, Growth of Indian Banking System
The Financial services sector in India is blooming and has become one of the lucrative areas to professionalism. The sector has undergone metamorphosis since 1990. Indian economy got liberalized during 1991 and the financial sector was kept open for private and foreign players. During the late eighties, the financial services industry in India was dominated by commercial banks and other financial institutions governed by the Central Government. The economic liberalization has brought in a complete transformation in the Indian financial services industry. Prior to the economic liberalization, the Indian financial service sector was characterized by various other factors, which was related to the growth of this sectorThe term Financial services in its broader sense refers to ― mobilizing and allocation of savings‘‘. It is identified as all those activities involved in the process of converting savings into investment. Financial services also include FINANCIAL INTERMEDIARIES such as Merchant Bankers, Venture capitalists, Commercial banks, Insurance Companies etc.
Derivatives are the financial instruments whosevalue is derived from the underlying assets.
•
It is called derivatives as its value is derived fromother assets called underlying asset.
•
It is a contract that derives its value from changes inthe price of the underlying asset.
Example1:
The value of a gold futures contract is derived fromthe value of the underlying asset i.e. Gold.
Introduction to Banking, Evolution of Banking, History of Banking system, Route map from traditional banking to Modern banking, Modern Banking system and its evolution, Growth of Indian Banking System
The Indian Banking industry, which is governed by the Banking Regulation Act of India, 1949 can be broadly classified into two major categories, non-scheduled banks and scheduled banks. Scheduled banks comprise commercial banks and the co-operative banks. In terms of ownership, commercial banks can be further grouped into nationalized banks, the State Bank of India and its group banks, regional rural banks and private sector banks (the old/ new domestic and foreign). These banks have over 84,000 branches spread across the country
Non-Banking Financial Companies & MICROFINANCE Completed note for MBA Finance.
It includes Meaning, Classification, Comparison chart, Activities of NBFC, RBI guidelines, etc
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
What website can I sell pi coins securely.DOT TECH
Currently there are no website or exchange that allow buying or selling of pi coins..
But you can still easily sell pi coins, by reselling it to exchanges/crypto whales interested in holding thousands of pi coins before the mainnet launch.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and resell to these crypto whales and holders of pi..
This is because pi network is not doing any pre-sale. The only way exchanges can get pi is by buying from miners and pi merchants stands in between the miners and the exchanges.
How can I sell my pi coins?
Selling pi coins is really easy, but first you need to migrate to mainnet wallet before you can do that. I will leave the telegram contact of my personal pi merchant to trade with.
Tele-gram.
@Pi_vendor_247
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
2. Indian Financial System
Non- Organized
Organized
Money lenders
Financial Institutions
Local bankers
Financial Markets
Traders
Financial Instruments
Landlords
Financial services
Pawn brokers
Chit Funds
3. Financial
Institution
Organized Sector Unorganized Sector
Capital Market Money Market
Money Lenders
Non-Banking Banking
Mutual funds IHFC
Institution Institutions
Indigenous
Bankers
Non-Banking Development Scheduled
financial financial RBI Commercial
Companies institutions banks Scheduled Co-
operative Banks Pawn Brokers
Public Sector
Public sector Banks
All India
Financial
Institutions Private Sector Traders
Private Sector Banks
State level
Institutions Foreign Banks in
India
Other
Institutions Regional Rural
banks
4. NOTE….
Non-banking financial companies
• Carry out financial activities .
•Resources are not directly obtained from the savers as debt.
•Oblige public savings for rendering other financial services including
investments.
• UTI, LIC, GIC
Development Financial Institutions
• Established to fill the gaps between banking systems and capital market.
• Channeling funds to particular firms, industries, sectors, during the
development process.
• To reduce financial constraints faced by companies.
• Converting themselves into universal banks. E.g.: ICICI bank
5. NOTE….
Insurance & Housing
Mutual Funds Finance Companies
• Filing the gap of credit supply for
house building.
• “A fund established in the form of • Big mobilisers of funds.
a trust by a sponsor ,to raise • Provide finance in form of
monies by the trustees through mortgage loan.
the scale of units to the • HUDCO
public, under one or more
schemes, for investing in • LIC
securities in accordance with • GIC
these regulations.”- SEBI • Commercial Banks.
6. NOTE….
RBI : “… to regulate the issue of bank notes and keeping of reserves with a
view to securing money stability in India and generally to operate the
currency and credit system of the country to its advantage.”
- preamble of RBI
Scheduled Commercial Banks : Which have been included in the second
schedule of RBI Act,1934.
Scheduled cooperative Banks : Organized & managed on the principle of
co operation , self help, and mutual help. They function with the rule of “
one member, one vote” function on “ no profit, no loss” basis.
7. NOTE….
Money lenders:
• Offers small personal loans at high rate of interest.
• Important source of credit to a particular category of borrowers.
Pawn brokers:
An individual or business entity offers loans in exchange for an item of value
given to the pawn broker.
Indigenous bankers:
• offer loan on short term.
• lent money on security of jewels and on promissory notes.
• They functioned both in urban and rural areas.
• lent money on informal conditions.
Traders:
• offer monetary loan on some security on high interest rate
8.
9. NOTE….
Financial Market :
• Contribute in buying and selling of financial
claims, assets, services and securities.
•Funds or savings are transferred from surplus
unit to deficit unit.
• Players like
dealers, investors, borrowers, depositors, etc are
plays a vital role in driving demand and supply.
• Financial markets help Individuals to get the
benefits of time preference, liquidity preference
and portfolio management.
12. NOTE….
Primary Market : First time sales of equity .
Also called the new issue market, is the market for issuing new securities. Many
companies, especially small and medium scale, enter the primary market to raise
money from the public to expand their businesses. They sell their securities to
the public through an initial public offering [ IPO].
Secondary Market : Financial market for trading of securities that have already
been issued in an initial private or public offering.
It enables quicker valuations of financial instruments for both equity and debt.
The two major secondary markets of India :
1. Bombay Stock Exchange (BSE).
2. National Stock Exchange (NSE)
13.
14. NOTE….
Call Money Market : Market where call funds are borrowed and lent. Deals
in very short period funds. This market is being used by the central bank for
conducting the open market operations.
Collateral Loan Market :
A place where loan, which are backed by collateral assets are facilitated. Also
called as secured loan.
Bill Market :
Where different types of bills or commercial bills are circulated. A
commercial bill is one which arises out of a credit transactions.
Acceptance Market :
Refers to the market where short-term genuine trade bills are accepted by
financial institutions.
Discount Market : Where short term trade bills are discounted, like
commercial banks. It is a segment of bill market.
16. NOTE….
Book Building : It is a mechanism where , during the period for which the
book for the IPO is open, bids are collected from investors at various
prices, which are above or equal to the floor price. This process aims at tapping
both wholesale & retail investors.
E- commerce : It consists of buying and selling of products or services over
electronic systems such as internet.
Debt Securitization : An emerging source of funds for financial institutions. It is
nothing but the package of a pool of financial assets into marketable securities.
Deposit Insurance : A measure to protect deposits, in full or in part. It is being
introduced by the policy makers in different countries.
Lease Financing : A commercial arrangement where an owner conveys to the
consumer the right to consume in return for a rental.
17. NOTE….
Credit Rating : “… help investors by providing on easily recognizable, simple
tool that couples a possibly unknown issuer with an informative and meaningful
symbol of credit control.”
Hire Purchase : a type of installment credit under which the hire purchaser
called the hirer , agrees to take the goods on hire at a stated rental.
Syndicated Loan : A large loan in which a group of banks provide funds for a
borrower
Portfolio Management : The process of managing the assets of s mutual
fund, including choosing and monitoring appropriate investments and
allocating funds accordingly.
18. Financial Instruments…
Documents which represents financial claims on assets and securities.
Refers to claim periodical payments of certain amount of money by way of
principle, interest or dividend.
There are instruments for savers such as equities, mutual fund units, etc.
There are instruments for borrowers such as loans, overdrafts, etc.
Like businesses, governments too raise funds through some instruments, such as
bonds, Treasury bills, etc.
Instruments like PPF, KVP, etc. are available to savers who wish to lend money to
the government
Characteristics:
Liquidity, for the quick conversion into cash.
Collateral value, for pledging of instruments for obtaining loan.
Price fluctuations of security.
Tax status.
Transferability , allows easy transfer of instruments.